Track all of your accounts in one place
- Credit cards
- Personal loans
- Auto loans
- and more...

Set your strategy and save
We'll show you how to save money and pay off debt faster


Set your strategy and save
We'll show you how to save money and pay off debt faster
Receive guidance and encouragement along the way
We'll guide you step by step throughout the process and help you celebrate your accomplishments all throughout your debt reduction journey.

Get started for free today!
Payoff Basic
FREE
Everything you need to manage your debt and save.
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Email support
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Debt assessment and payoff plan
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Interest savings alerts
Payoff Pro
$7/mo
See all your accounts with just a few clicks. The fastest way to create your payoff plan.
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Everything in Payoff Basic
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Connect to your bank accounts for automatic updates
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Email and chat support
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Advanced recommendations
Payoff Genius
$12/mo
Automate your financial life and save. You automate your minimum payments and pay us whatever additional amount you can. We allocate the extra in the smartest way to save you money. It's that simple.
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Everything in Payoff Pro
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Fully automated extra payments (we do the work)
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and more...
Frequently asked questions
What is Payoff Genius?
Payoff Genius is a financial technology company. We are not a bank or a financial advisor. We use technology to help you make better financial decisions in paying off debt and finding ways to save money.
Does Payoff Genius really eliminate my debt?
Although we don't wipe out your debt ourselves, we empower you with all the necessary tools and insights to make informed choices and save money. We guide you towards the most intelligent strategies for debt repayment, setting you on the path to financial freedom.
How much does it cost?
Using Payoff Basic is absolutely free! Our basic service allows you to track your debt and make great decisions. While we do offer premium products for a monthly fee, our basic service will always be free.
Be the first to know
Learn about product updates and enhancements before anyone else. Plus receive helpful tips to be debt free.